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New Construction Macomb County:Looking for a New Home or Condo in Macomb County, MI? We can connect you with some of the best builders and developers in the area, like Pulte, Lombardo Homes and many other great builders. New Construction prices will be increasing Continue Reading →

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Builders:Looking for a New Home or Condo in Macomb Township, MI? We can connect you with Pulte, Lombardo Homes and many other great builders.New Construction prices will be increasing this spring, buy now and save. Contact Janet and Thomas at Continue Reading →

Selling:Seller’s Peace of Mind… When Your Home Is More Than Just a Home Selling your home is a very emotional experience. It’s not just a “home” after all it has been part of the family for many years. As if Continue Reading →

Don Foster, co-founder and Vice President of Masonry Cosmetics Inc., has announced the launch of the Masonry Cosmetics Training Center. The Masonry Cosmetics Training Centerhas been created for the education and certification of contractors throughout the United States. Time at the Training Center gets a contractor hands-on experience on how to use Masonry Cosmetics’ proven masonry staining process on all kinds of absorptive masonry. In a small classroom environment, they will learn bri…

Located on just over 10 acres this impeccably kept 4bed/2.5bath bungalow in Allenton will end your home search! You are greeted by the open floor plan when you enter the spacious family room that features tall ceilings, large front window, and fireplace. You will love the large eat-in kitchen that offers tons of natural light from the skylight, stunning floors, custom oak cabinets, & center island. There is an additional space off of the dining room for added storage! Unwind in the master bedroom w/ tons of closet space, & attached bathroom! Head upstairs to the bonus room perfect for a home theatre or bedroom, Head down to the partially finished basement complete w/ storage room, & additional space to entertain. The Temo Florida room is the perfect spot to sip on your morning coffee and take in the beautiful views of the 10 acres behind you. Both garages include full house generator, 8ft tall ceilings, & insulated doors! *Seller to provide 1 year home warranty!

Potential homeowners make it a point to scour the Internet or library shelves for valuable information on building their first home. Little do they know that such a project involves more than they might think as it will take just one wrong more to turn their dream house project into a nightmare they could never shake off. – – Prolific author Jean-Eugène Havel offers first-time homeowners all the assistance they would need in his book “Habitat et Logement” ( Presses Universitaires de Franc…

(TNS)—Having money sitting in an individual retirement account that you won’t need to spend anytime soon—or maybe you’ll never want to spend—is a First World retirement problem.

Yet financial advisers have answers for the well-heeled retirees who find themselves in this fortunate situation.

If you are in that lucky group, consider these strategies on the best way to invest with your IRA or other retirement accounts when you don’t really need the money.

Take a Bigger Risk
If your primary goal is maximizing what you leave behind to your heirs or charity, you have more freedom than most.

If you don’t need the money right away, you can be more aggressive with your investing, says Jamie Hopkins, a professor at The American College of Financial Services and co-director of the New York Life Center for Retirement Income.

While the conventional wisdom for retired investors is to stick to a mix of about 60 percent bonds and 40 percent equities, if you won’t need to spend the money, Hopkins advises putting 80 percent in stocks and 20 percent in bonds.

If your money is in a target-date fund with a target set at the year you retired or were scheduled to retire, at this point it is probably mostly invested in bonds. If you like the set-it-and-forget aspect of a target-date fund, Hopkins suggests that you simply move your money to a target date 2050 fund, which will have a bigger allocation to stocks.

Consider a Roth Rollover
Beginning at age 70, the IRS requires you to take required minimum distributions, or RMDs, from your traditional IRA and pay taxes on the money. Instead, consider converting your traditional IRA to Roth IRA, on which RMDs aren’t required.

Do it over a five- to eight-year period, says certified financial planner Leon LaBrecque, CEO of LJPR Financial Advisors in the Detroit area. “You’ll still owe the IRS taxes when you convert, but you’ll have more strategies to manage—and lower—the bill.”

If a Roth conversion doesn’t seem like the right idea for you, LaBrecque suggests that you ask your accountant to estimate how much you’ll owe in RMDs over the next five to 10 years and invest that amount conservatively, so you’ll have it when you need it. Then you can safely be more aggressive with the remainder.

“After you have dedicated money to the RMD, I’d invest the rest in equities,” LaBrecque says.

Choose a QLAC
Qualified longevity annuity contracts, or QLACs, can be purchased within an IRA or other tax-advantaged retirement fund. These are a type of deferred annuity that will provide you with a regular income later in retirement. You don’t have to start taking the money until you are 85, and, in the meantime, the amount used to purchase the QLAC is sheltered from RMDs.

“I like them,” says Hopkins. “Put $125,000 (the maximum allowed by the IRS) in a QLAC, and you are protected from RMDs for the next 15 or 20 years (until you turn 85).”

What if you don’t make it to age 85? “Buy it with a return of premium so if you die earlier than expected, your heirs get the money back. It’s a good longevity hedge,” Hopkins says.

The return on investment isn’t great, he adds, but wealthy people tend to live longer than others, making it a better investment for them.

Think Really Long-Term
When determining the best way to invest money you don’t think you’ll need, consider the risks that everyone else needs to worry about: inflation and longevity.

“You might be retired for longer than 30 years,” says Maura Cassidy, vice president of Retirement at Fidelity Investments. “You have to keep ahead of it; you need inflation coverage.”

In other words, someday you may need that money. Cassidy says that while you might invest less cautiously than some people whose margins are thinner, you shouldn’t go crazy.

If you have more than you need, consider delaying the day when you invest more conservatively, she says.

“Our research indicates that retirees should be at 60 percent bonds, 40 percent stock allocation at age 65. That’s a good allocation for 15 or 20 years. Then you should sell off even more equities, so that by the time you are 80, you’re at 80 percent bonds and 20 percent equities.”

But if at age 80, you still don’t need the money, she says, “Slow it down. You might wait until age 90 to go to 20 percent equities.”

This brand new town home built by The Home Builder’s Association 2015 Builder of the Year, Robertson Homes features a spaciousand bright open floor plan just two blocks from downtown Wixom. The Manchester floor plan features three bedrooms, granitecounter tops, hardwood flooring, ceramic tile,stainless steel appliances, 9 foot ceilings, two car garage, privacy deck and patio infront yard, many other upgrades in this beautiful town home. Enjoy maintenance free living in this established community close tofreeways, Novi shopping, Kensington Park, Lyon Oaks Park. Liberty at Tribute has it’s own park, dog park and the Rails to Trails isadjacent to the dog park. We anticipate this home to be available for occupancy by the end of the year. Please visit or model at244 Center Blvd. in Wixom to view this home.

TO BE BUILT-Premium 1/2 acre wooded lot- Brand new ranch construction w/3 car garage and daylight basement-located in Farmington Hills. Be the first one to pick out your selections, that would include premium cabinets, granite counters, paint colors, flooring, and much more. This house offers a large great room with vaulted ceilings, open floor plan, large master suite with wic. Many floor plans to choose from. Call listing agent for details. Call to register your client.

The Florida Home Builders Association (FHBA), along with the Southeastern Builders Conference (SEBC), honored the industry’s most creative and successful designers, developers, builders, planners and architects at the 36[sup]th[/sup] Annual Aurora Awards in Kissimmee, FL on July 28, 2017. This year’s competition drew 400 entries in 55 categories including commercial, office space, renovated projects, mixed-use, affordable, multi-family projects, site planning, single family production and…